To Do If You Get A Nasty Letter or Phone Call From:
Aktiv Kapital Debt Collectors
Kapital Debt Collectors is a debt purchasing/debt collecting company
listed in the website of the DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Aktiv Kapital),
and especially the debt purchasing element, go a bit too far sometimes
and can make people's lives a misery when those same people are at their
most vulnerable. We do not suggest that they are acting outside the
law, but getting that letter or phone call is not exactly helpful to
you right now.
So the first thing
you must do if Aktiv Kapital is bothering you is not to panic
or despair. That's just what they want! They'd love you to
call their number and speak to their specially trained sales team for
'advice'. But once you do that you'll be suggestible to whatever they
tell you, instead of getting independent advice. While we always say
that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
As an alternative
you could apply for a 'logbook loan' which many people
find a very handy option. It is actually a loan secured on your car,
except you get to keep the car and keep the cash as well! That's why
some people find it such a good idea, as it unlocks the equity in your
vehicle without taking away your means of transport (there's no need
to sell the car). To apply
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Also Known As: Aktiv Kapital Debt Collectors, Aktiv Kapital Asset Investments
Ltd, Aktiv Krapital, etc., etc.
Address: Wells House, 15-17 Elmfield Road, Bromley, Kent BR1 1LT
Telephone: 0208 3130033
Fax: 0208 1311022
Email: [user] @aktiv-kapital.co.uk
Get a free QuickCreditScore
check by applying
Data On Aktiv Kapital
have never had any dealings with Aktiv Kapital myself so I have had
to rely heavily on the various personal finance forums to get a feel
of how these particular people operate.
debt purchasing company has an angel, a specialisisation. Unfortunately,
Aktiv Kapital's specialisation appears to lie in trying to get people
to pay money for debts which are already paid or which are Statute
Barred (there has been no reference to the debt for six years, therefore
it is seen as a 'dead' debt).
someone has to specialise in this, I suppose. It just so happens that
Aktiv Kapita is the particular bottom-feeder who does this, although
other DPCs do it as well as a specialisation or a sideline (q.v.).
am grateful to the excellent Consumer
Action Group forum for the following:
I just got
a letter from Aktiv Kapital asking me for 622 pounds, so I called
them. I got some arrogant teenager talking to me like I was some kind
of idiot. I gave him the names of Aktiv Kapital staff who I had dealt
with in the past regarding the matter, convieniently they all left
the company .... I told him the first name of the lady concerned which
was distinctive; he then slipped up and gave me her surname which
was clearly on the screen in front of him.
is an absolute joke, who chance their arm with scare tactic letters.
My advice is either don't respond to them or go the whole hog and
ask for the matter to go to court. These guys must cause so many sleepless
nights for those who dont know better. Trying to assist them in clarifying
is pointless; they make no money from acknowledging the fact they
have actually got a debt that has been satisfied.
you have any information that you would like honest people to know
about Aktiv Kapital then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
Aktiv Kapital page is part of DPC Registry. Consumer Credit Licence
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget for
all necessary expenditure including rent or mortgage, council tax and
utility bills, etc., and any other necessary outgoings related to the
upkeep of your household and in relation to any specific circumstances
which may apply to you or your household. This website only collects data on behalf of
debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
Aktiv Kapital website is part of DPC Registry website group. All rights
reserved. Complaints Against Aktiv Kapital.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
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